First Choice Loan Services Inc. Mortgage Lending & HMDA Data, 2019
In 2019, First Choice Loan Services Inc. of East Brunswick, NJ reported 13,301 mortgage applications totaling $4.3 billion. The average application was for $322,782, and applicants reported an average income of $126,273. 68% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Cambridge-Newton-Framingham, MA (746), Dallas-Plano-Irving, TX (653) and Phoenix-Mesa-Scottsdale, AZ (618) (applications in parentheses).
| Mortgage Company & Address | First Choice Loan Services Inc. One Tower Center, Floor #18 East Brunswick, NJ 08816 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 |
| Total Number of Mortgage Applications | 13,301 |
| Total Mortgage Loan Application Amount | $4,293,330,000 |
| Average Mortgage Loan Application Amount | $322,782 |
| Highest Mortgage Loan Application Amount | $5,255,000 |
| Average Applicant Income | $126,273 |
| Highest Applicant Income | $5,002,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Choice Loan Services Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cambridge-Newton-Framingham, MA | 746 | $ 327,990,000 | $ 439,664 | $ 151,000 |
| Dallas-Plano-Irving, TX | 653 | $ 194,825,000 | $ 298,353 | $ 119,000 |
| Phoenix-Mesa-Scottsdale, AZ | 618 | $ 193,670,000 | $ 313,381 | $ 121,000 |
| Outside any metro area | 611 | $ 146,405,000 | $ 239,615 | $ 114,346 |
| Los Angeles-Long Beach-Glendale, CA | 590 | $ 289,740,000 | $ 491,084 | $ 142,000 |
| Riverside-San Bernardino-Ontario, CA | 475 | $ 142,485,000 | $ 299,968 | $ 107,000 |
| Houston-The Woodlands-Sugar Land, TX | 424 | $ 108,300,000 | $ 255,424 | $ 109,000 |
| Montgomery County-Bucks County-Chester County, PA | 403 | $ 108,765,000 | $ 269,888 | $ 113,000 |
| Oakland-Hayward-Berkeley, CA | 384 | $ 176,880,000 | $ 460,625 | $ 138,000 |
| New York-Newark, NY | 379 | $ 125,235,000 | $ 330,435 | $ 150,000 |
| Amarillo, TX | 351 | $ 57,235,000 | $ 163,062 | $ 67,000 |
| San Diego-Carlsbad, CA | 283 | $ 141,485,000 | $ 499,946 | $ 145,000 |
| Boston, MA | 280 | $ 143,200,000 | $ 511,428 | $ 192,000 |
| Atlanta-Sandy Springs-Roswell, GA | 277 | $ 76,725,000 | $ 276,985 | $ 118,000 |
| Fort Worth-Arlington, TX | 271 | $ 60,885,000 | $ 224,667 | $ 88,000 |
| Hartford-West Hartford-East Hartford, CT | 269 | $ 60,355,000 | $ 224,368 | $ 103,000 |
| Reno, NV | 256 | $ 78,190,000 | $ 305,429 | $ 107,000 |
| Philadelphia, PA | 254 | $ 67,720,000 | $ 266,614 | $ 113,000 |
| Seattle-Bellevue-Everett, WA | 204 | $ 82,630,000 | $ 405,049 | $ 150,000 |
| Anaheim-Santa Ana-Irvine, CA | 202 | $ 105,190,000 | $ 520,742 | $ 226,000 |
| Columbus, GA-AL | 185 | $ 23,845,000 | $ 128,891 | $ 54,102 |
| Las Vegas-Henderson-Paradise, NV | 178 | $ 56,510,000 | $ 317,471 | $ 134,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 150 | $ 55,630,000 | $ 370,866 | $ 136,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 143 | $ 56,435,000 | $ 394,650 | $ 144,034 |
| Reading, PA | 141 | $ 22,625,000 | $ 160,460 | $ 66,000 |
| Denver-Aurora-Lakewood, CO | 135 | $ 49,065,000 | $ 363,444 | $ 123,000 |
| Auburn-Opelika, AL | 130 | $ 23,730,000 | $ 182,538 | $ 81,000 |
| Austin-Round Rock, TX | 121 | $ 40,215,000 | $ 332,355 | $ 133,000 |
| Trenton, NJ | 107 | $ 27,785,000 | $ 259,672 | $ 128,000 |
| Worcester, MA-CT | 107 | $ 31,660,000 | $ 295,887 | $ 126,514 |
| Portland-Vancouver-Hillsboro, OR-WA | 104 | $ 36,860,000 | $ 354,423 | $ 129,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 98 | $ 32,660,000 | $ 333,265 | $ 137,836 |
| Norwich-New London, CT | 94 | $ 23,320,000 | $ 248,085 | $ 116,000 |
| Odessa, TX | 88 | $ 19,980,000 | $ 227,045 | $ 83,000 |
| Vallejo-Fairfield, CA | 88 | $ 33,590,000 | $ 381,704 | $ 115,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 85 | $ 25,615,000 | $ 301,352 | $ 105,000 |
| Chicago-Naperville, IL | 79 | $ 26,495,000 | $ 335,379 | $ 159,000 |
| Providence-Warwick, RI-MA | 79 | $ 22,855,000 | $ 289,303 | $ 137,025 |
| San Antonio-New Braunfels, TX | 79 | $ 23,275,000 | $ 294,620 | $ 110,000 |
| Charlotte-Concord-Gastonia, NC-SC | 72 | $ 21,920,000 | $ 304,444 | $ 120,750 |
| Salt Lake City, UT | 70 | $ 25,530,000 | $ 364,714 | $ 129,000 |
| Camden, NJ | 68 | $ 16,820,000 | $ 247,352 | $ 124,000 |
| Newark, NJ-PA | 66 | $ 23,930,000 | $ 362,575 | $ 194,848 |
| Santa Fe, NM | 65 | $ 23,255,000 | $ 357,769 | $ 148,000 |
| Warren-Troy-Farmington Hills, MI | 59 | $ 16,635,000 | $ 281,949 | $ 131,000 |
| Tacoma-Lakewood, WA | 58 | $ 20,130,000 | $ 347,068 | $ 122,000 |
| Stockton-Lodi, CA | 56 | $ 20,640,000 | $ 368,571 | $ 123,000 |
| Springfield, MA | 55 | $ 11,035,000 | $ 200,636 | $ 74,000 |
| New Orleans-Metairie, LA | 51 | $ 10,705,000 | $ 209,901 | $ 105,000 |
| New York-Jersey City-White Plains, NY-NJ | 51 | $ 21,445,000 | $ 420,490 | $ 155,000 |
| Baltimore-Columbia-Towson, MD | 50 | $ 16,110,000 | $ 322,200 | $ 130,000 |
| Panama City, FL | 48 | $ 9,310,000 | $ 193,958 | $ 97,000 |
| Boise City, ID | 47 | $ 15,495,000 | $ 329,680 | $ 134,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 46 | $ 9,270,000 | $ 201,521 | $ 70,956 |
| Fresno, CA | 44 | $ 11,720,000 | $ 266,363 | $ 102,000 |
| Rockingham County-Strafford County, NH | 43 | $ 14,195,000 | $ 330,116 | $ 152,000 |
| Raleigh, NC | 42 | $ 13,580,000 | $ 323,333 | $ 148,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 40 | $ 18,330,000 | $ 458,250 | $ 130,000 |
| Washington-Baltimore-Arlington, DC | 40 | $ 17,060,000 | $ 426,500 | $ 166,000 |
| Orlando-Kissimmee-Sanford, FL | 39 | $ 12,365,000 | $ 317,051 | $ 140,000 |
| Midland, TX | 38 | $ 10,600,000 | $ 278,947 | $ 119,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 37 | $ 16,905,000 | $ 456,891 | $ 160,000 |
| New Haven-Milford, CT | 35 | $ 8,585,000 | $ 245,285 | $ 122,000 |
| Salinas, CA | 35 | $ 13,365,000 | $ 381,857 | $ 118,000 |
| Tucson, AZ | 35 | $ 7,825,000 | $ 223,571 | $ 97,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 34 | $ 7,780,000 | $ 228,823 | $ 86,000 |
| Huntsville, AL | 31 | $ 7,075,000 | $ 228,225 | $ 123,000 |
| Indianapolis-Carmel-Anderson, IN | 31 | $ 8,255,000 | $ 266,290 | $ 134,000 |
| Tampa-St. Petersburg-Clearwater, FL | 30 | $ 8,430,000 | $ 281,000 | $ 119,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 30 | $ 12,600,000 | $ 420,000 | $ 227,000 |
| Albany-Schenectady-Troy, NY | 29 | $ 5,505,000 | $ 189,827 | $ 0 |
| Kansas City, MO-KS | 29 | $ 7,885,000 | $ 271,896 | $ 125,034 |
| San Francisco-Redwood City-South San Francisco, CA | 29 | $ 16,725,000 | $ 576,724 | $ 203,000 |
| Bridgeport-Stamford-Norwalk, CT | 28 | $ 9,990,000 | $ 356,785 | $ 120,000 |
| Colorado Springs, CO | 28 | $ 9,720,000 | $ 347,142 | $ 111,000 |
| Manchester-Nashua, NH | 28 | $ 9,250,000 | $ 330,357 | $ 117,000 |
| Modesto, CA | 28 | $ 8,300,000 | $ 296,428 | $ 109,000 |
| Albuquerque, NM | 27 | $ 7,445,000 | $ 275,740 | $ 119,000 |
| Columbus, OH | 27 | $ 6,585,000 | $ 243,888 | $ 129,000 |
| Anchorage, AK | 26 | $ 9,620,000 | $ 370,000 | $ 155,000 |
| Provo-Orem, UT | 26 | $ 8,750,000 | $ 336,538 | $ 142,000 |
| Pittsfield, MA | 25 | $ 4,765,000 | $ 190,600 | $ 148,000 |
| Wilmington, DE-MD-NJ | 24 | $ 7,050,000 | $ 293,750 | $ 151,916 |
| Bakersfield, CA | 23 | $ 6,245,000 | $ 271,521 | $ 113,000 |
| Barnstable Town, MA | 22 | $ 10,020,000 | $ 455,454 | $ 221,000 |
| St. Louis, MO-IL | 21 | $ 5,855,000 | $ 278,809 | $ 138,666 |
| Utica-Rome, NY | 21 | $ 2,395,000 | $ 114,047 | $ 0 |
| Richmond, VA | 20 | $ 7,140,000 | $ 357,000 | $ 129,000 |
| Naples-Immokalee-Marco Island, FL | 19 | $ 7,935,000 | $ 417,631 | $ 310,000 |
| Ogden-Clearfield, UT | 19 | $ 6,255,000 | $ 329,210 | $ 118,000 |
| Olympia-Tumwater, WA | 19 | $ 5,945,000 | $ 312,894 | $ 149,000 |
| Prescott Valley-Prescott, AZ | 19 | $ 8,095,000 | $ 426,052 | $ 103,000 |
| Santa Rosa, CA | 19 | $ 8,535,000 | $ 449,210 | $ 117,000 |
| Bellingham, WA | 18 | $ 5,960,000 | $ 331,111 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 18 | $ 6,780,000 | $ 376,666 | $ 162,000 |
| Salem, OR | 18 | $ 5,380,000 | $ 298,888 | $ 112,000 |
| El Paso, TX | 17 | $ 4,685,000 | $ 275,588 | $ 80,000 |
| Lancaster, PA | 17 | $ 3,815,000 | $ 224,411 | $ 107,000 |
| Pittsburgh, PA | 17 | $ 4,665,000 | $ 274,411 | $ 139,000 |
| Urban Honolulu, HI | 17 | $ 7,535,000 | $ 443,235 | $ 125,000 |
| Jacksonville, FL | 16 | $ 4,250,000 | $ 265,625 | $ 130,000 |
| Milwaukee-Waukesha-West Allis, WI | 16 | $ 4,970,000 | $ 310,625 | $ 122,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 6,170,000 | $ 385,625 | $ 198,750 |
| Bremerton-Silverdale, WA | 15 | $ 5,075,000 | $ 338,333 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 15 | $ 4,465,000 | $ 297,666 | $ 155,000 |
| Chattanooga, TN-GA | 15 | $ 4,745,000 | $ 316,333 | $ 135,866 |
| Cincinnati, OH-KY-IN | 15 | $ 4,345,000 | $ 289,666 | $ 129,333 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 15 | $ 4,865,000 | $ 324,333 | $ 134,000 |
| North Port-Sarasota-Bradenton, FL | 15 | $ 4,295,000 | $ 286,333 | $ 197,000 |
| Visalia-Porterville, CA | 15 | $ 4,255,000 | $ 283,666 | $ 197,000 |
| Greeley, CO | 14 | $ 4,080,000 | $ 291,428 | $ 123,000 |
| Lubbock, TX | 14 | $ 2,880,000 | $ 205,714 | $ 79,000 |
| Ann Arbor, MI | 13 | $ 3,625,000 | $ 278,846 | $ 108,000 |
| Cleveland-Elyria, OH | 13 | $ 3,815,000 | $ 293,461 | $ 173,000 |
| Coeur D'Alene, ID | 13 | $ 3,675,000 | $ 282,692 | $ 113,000 |
| Lake County-Kenosha County, IL-WI | 13 | $ 4,295,000 | $ 330,384 | $ 227,000 |
| Medford, OR | 13 | $ 4,115,000 | $ 316,538 | $ 121,000 |
| Nassau County-Suffolk County, NY | 13 | $ 4,775,000 | $ 367,307 | $ 0 |
| Salisbury, MD-DE | 13 | $ 3,125,000 | $ 240,384 | $ 142,769 |
| Spokane-Spokane Valley, WA | 13 | $ 3,065,000 | $ 235,769 | $ 87,000 |
| Syracuse, NY | 13 | $ 1,585,000 | $ 121,923 | $ 0 |
| Louisville/Jefferson County, KY-IN | 12 | $ 2,880,000 | $ 240,000 | $ 115,333 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 2,550,000 | $ 212,500 | $ 113,250 |
| Ocean City, NJ | 12 | $ 4,120,000 | $ 343,333 | $ 317,000 |
| Omaha-Council Bluffs, NE-IA | 12 | $ 3,790,000 | $ 315,833 | $ 139,000 |
| Akron, OH | 11 | $ 2,065,000 | $ 187,727 | $ 97,000 |
| Kennewick-Richland, WA | 11 | $ 3,695,000 | $ 335,909 | $ 105,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 2,805,000 | $ 255,000 | $ 128,000 |
| Portland-South Portland, ME | 11 | $ 4,225,000 | $ 384,090 | $ 192,000 |
| Tulsa, OK | 11 | $ 3,075,000 | $ 279,545 | $ 142,000 |
| Bend-Redmond, OR | 10 | $ 3,070,000 | $ 307,000 | $ 120,000 |
| Charleston-North Charleston, SC | 10 | $ 2,940,000 | $ 294,000 | $ 136,000 |
| Detroit-Dearborn-Livonia, MI | 10 | $ 2,290,000 | $ 229,000 | $ 124,000 |
| Durham-Chapel Hill, NC | 10 | $ 2,790,000 | $ 279,000 | $ 105,000 |
| Eugene, OR | 10 | $ 3,170,000 | $ 317,000 | $ 149,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 10 | $ 4,020,000 | $ 402,000 | $ 147,000 |
| Santa Maria-Santa Barbara, CA | 10 | $ 3,300,000 | $ 330,000 | $ 119,000 |
| Boulder, CO | 9 | $ 3,755,000 | $ 417,222 | $ 151,000 |
| Carson City, NV | 9 | $ 2,665,000 | $ 296,111 | $ 71,000 |
| East Stroudsburg, PA | 9 | $ 1,595,000 | $ 177,222 | $ 122,000 |
| Flagstaff, AZ | 9 | $ 2,795,000 | $ 310,555 | $ 127,000 |
| Fort Collins, CO | 9 | $ 3,185,000 | $ 353,888 | $ 184,000 |
| Missoula, MT | 9 | $ 4,065,000 | $ 451,666 | $ 178,000 |
| Montgomery, AL | 9 | $ 1,305,000 | $ 145,000 | $ 87,000 |
| Napa, CA | 9 | $ 4,305,000 | $ 478,333 | $ 161,000 |
| Sherman-Denison, TX | 9 | $ 2,435,000 | $ 270,555 | $ 121,000 |
| Asheville, NC | 8 | $ 2,130,000 | $ 266,250 | $ 142,000 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 2,700,000 | $ 337,500 | $ 124,000 |
| Kahului-Wailuku-Lahaina, HI | 8 | $ 3,750,000 | $ 468,750 | $ 139,000 |
| Memphis, TN-MS-AR | 8 | $ 1,940,000 | $ 242,500 | $ 164,625 |
| Santa Cruz-Watsonville, CA | 8 | $ 3,860,000 | $ 482,500 | $ 115,000 |
| Savannah, GA | 8 | $ 2,690,000 | $ 336,250 | $ 147,000 |
| St. George, UT | 8 | $ 2,400,000 | $ 300,000 | $ 132,000 |
| Wichita, KS | 8 | $ 2,420,000 | $ 302,500 | $ 115,000 |
| Baton Rouge, LA | 7 | $ 1,975,000 | $ 282,142 | $ 109,000 |
| Corpus Christi, TX | 7 | $ 1,615,000 | $ 230,714 | $ 109,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 2,255,000 | $ 322,142 | $ 172,000 |
| Dayton-Springfield-Kettering, OH | 7 | $ 1,415,000 | $ 202,142 | $ 168,000 |
| Elgin, IL | 7 | $ 1,985,000 | $ 283,571 | $ 166,000 |
| Gary, IN | 7 | $ 1,355,000 | $ 193,571 | $ 85,000 |
| Greensboro-High Point, NC | 7 | $ 1,815,000 | $ 259,285 | $ 106,000 |
| Killeen-Temple, TX | 7 | $ 1,415,000 | $ 202,142 | $ 69,000 |
| Knoxville, TN | 7 | $ 2,175,000 | $ 310,714 | $ 78,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 1,845,000 | $ 263,571 | $ 133,000 |
| Oklahoma City, OK | 7 | $ 1,855,000 | $ 265,000 | $ 168,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,415,000 | $ 202,142 | $ 99,000 |
| Port St. Lucie, FL | 7 | $ 1,685,000 | $ 240,714 | $ 98,000 |
| Tallahassee, FL | 7 | $ 1,525,000 | $ 217,857 | $ 124,000 |
| Wilmington, NC | 7 | $ 2,585,000 | $ 369,285 | $ 203,000 |
| Birmingham-Hoover, AL | 6 | $ 2,060,000 | $ 343,333 | $ 121,000 |
| Charlottesville, VA | 6 | $ 1,920,000 | $ 320,000 | $ 157,000 |
| Chico, CA | 6 | $ 2,760,000 | $ 460,000 | $ 177,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,790,000 | $ 298,333 | $ 159,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,750,000 | $ 291,666 | $ 219,000 |
| Merced, CA | 6 | $ 1,550,000 | $ 258,333 | $ 100,000 |
| Mobile, AL | 6 | $ 1,660,000 | $ 276,666 | $ 135,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 2,160,000 | $ 360,000 | $ 109,000 |
| Redding, CA | 6 | $ 2,120,000 | $ 353,333 | $ 177,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 1,185,000 | $ 237,000 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 1,355,000 | $ 271,000 | $ 134,800 |
| Beaumont-Port Arthur, TX | 5 | $ 1,355,000 | $ 271,000 | $ 79,000 |
| Burlington-South Burlington, VT | 5 | $ 1,185,000 | $ 237,000 | $ 121,000 |
| Hammond, LA | 5 | $ 855,000 | $ 171,000 | $ 144,000 |
| Hanford-Corcoran, CA | 5 | $ 1,905,000 | $ 381,000 | $ 232,000 |
| Madera, CA | 5 | $ 1,475,000 | $ 295,000 | $ 114,000 |
| Tyler, TX | 5 | $ 1,325,000 | $ 265,000 | $ 81,000 |
| Winchester, VA-WV | 5 | $ 1,685,000 | $ 337,000 | $ 108,000 |
| Winston-Salem, NC | 5 | $ 1,475,000 | $ 295,000 | $ 168,000 |
| Yakima, WA | 5 | $ 1,425,000 | $ 285,000 | $ 109,000 |
| York-Hanover, PA | 5 | $ 1,015,000 | $ 203,000 | $ 91,000 |
| Athens-Clarke County, GA | 4 | $ 730,000 | $ 182,500 | $ 96,000 |
| Billings, MT | 4 | $ 1,330,000 | $ 332,500 | $ 87,000 |
| College Station-Bryan, TX | 4 | $ 2,000,000 | $ 500,000 | $ 215,000 |
| Duluth, MN-WI | 4 | $ 690,000 | $ 172,500 | $ 183,500 |
| El Centro, CA | 4 | $ 850,000 | $ 212,500 | $ 112,000 |
| Harrisburg-Carlisle, PA | 4 | $ 710,000 | $ 177,500 | $ 88,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,130,000 | $ 282,500 | $ 127,000 |
| Las Cruces, NM | 4 | $ 900,000 | $ 225,000 | $ 107,000 |
| Lawton, OK | 4 | $ 410,000 | $ 102,500 | $ 48,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 1,120,000 | $ 280,000 | $ 73,000 |
| Niles-Benton Harbor, MI | 4 | $ 1,310,000 | $ 327,500 | $ 221,000 |
| San Rafael, CA | 4 | $ 1,820,000 | $ 455,000 | $ 234,000 |
| Waco, TX | 4 | $ 770,000 | $ 192,500 | $ 92,000 |
| Yuba City, CA | 4 | $ 940,000 | $ 235,000 | $ 138,000 |
| Albany, OR | 3 | $ 805,000 | $ 268,333 | $ 110,000 |
| Clarksville, TN-KY | 3 | $ 415,000 | $ 138,333 | $ 120,000 |
| Des Moines-West Des Moines, IA | 3 | $ 1,225,000 | $ 408,333 | $ 173,000 |
| Fayetteville, NC | 3 | $ 665,000 | $ 221,666 | $ 236,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 1,535,000 | $ 511,666 | $ 152,000 |
| Houma-Thibodaux, LA | 3 | $ 1,195,000 | $ 398,333 | $ 216,000 |
| Lafayette, LA | 3 | $ 935,000 | $ 311,666 | $ 137,000 |
| Lebanon, PA | 3 | $ 485,000 | $ 161,666 | $ 78,000 |
| Madison, WI | 3 | $ 1,015,000 | $ 338,333 | $ 130,000 |
| Punta Gorda, FL | 3 | $ 545,000 | $ 181,666 | $ 118,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 295,000 | $ 98,333 | $ 23,000 |
| Shreveport-Bossier City, LA | 3 | $ 565,000 | $ 188,333 | $ 65,000 |
| The Villages, FL | 3 | $ 835,000 | $ 278,333 | $ 243,000 |
| Yuma, AZ | 3 | $ 455,000 | $ 151,666 | $ 96,000 |
| Abilene, TX | 2 | $ 170,000 | $ 85,000 | $ 99,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 630,000 | $ 315,000 | $ 65,000 |
| Appleton, WI | 2 | $ 460,000 | $ 230,000 | $ 132,000 |
| Bangor, ME | 2 | $ 500,000 | $ 250,000 | $ 208,000 |
| Brownsville-Harlingen, TX | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Brunswick, GA | 2 | $ 890,000 | $ 445,000 | $ 115,000 |
| California-Lexington Park, MD | 2 | $ 670,000 | $ 335,000 | $ 114,000 |
| Decatur, AL | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Dothan, AL | 2 | $ 350,000 | $ 175,000 | $ 60,000 |
| Eau Claire, WI | 2 | $ 820,000 | $ 410,000 | $ 210,000 |
| Fairbanks, AK | 2 | $ 540,000 | $ 270,000 | $ 47,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 590,000 | $ 295,000 | $ 42,000 |
| Gainesville, GA | 2 | $ 520,000 | $ 260,000 | $ 74,000 |
| Glens Falls, NY | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Hot Springs, AR | 2 | $ 540,000 | $ 270,000 | $ 238,000 |
| Idaho Falls, ID | 2 | $ 610,000 | $ 305,000 | $ 84,000 |
| Jacksonville, NC | 2 | $ 470,000 | $ 235,000 | $ 69,000 |
| Lafayette-West Lafayette, IN | 2 | $ 750,000 | $ 375,000 | $ 234,000 |
| Lake Charles, LA | 2 | $ 480,000 | $ 240,000 | $ 157,000 |
| Lansing-East Lansing, MI | 2 | $ 510,000 | $ 255,000 | $ 150,000 |
| Laredo, TX | 2 | $ 190,000 | $ 95,000 | $ 90,000 |
| Lewiston, ID-WA | 2 | $ 520,000 | $ 260,000 | $ 127,000 |
| Lexington-Fayette, KY | 2 | $ 330,000 | $ 165,000 | $ 102,000 |
| Longview, TX | 2 | $ 440,000 | $ 220,000 | $ 72,000 |
| Longview, WA | 2 | $ 920,000 | $ 460,000 | $ 128,000 |
| Pocatello, ID | 2 | $ 450,000 | $ 225,000 | $ 109,000 |
| Rapid City, SD | 2 | $ 650,000 | $ 325,000 | $ 100,000 |
| Rocky Mount, NC | 2 | $ 270,000 | $ 135,000 | $ 36,000 |
| San Angelo, TX | 2 | $ 280,000 | $ 140,000 | $ 86,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 480,000 | $ 240,000 | $ 24,000 |
| Sioux Falls, SD | 2 | $ 720,000 | $ 360,000 | $ 106,000 |
| St. Cloud, MN | 2 | $ 270,000 | $ 135,000 | $ 35,000 |
| Tuscaloosa, AL | 2 | $ 280,000 | $ 140,000 | $ 54,000 |
| Walla Walla, WA | 2 | $ 610,000 | $ 305,000 | $ 139,000 |
| Wenatchee, WA | 2 | $ 620,000 | $ 310,000 | $ 95,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Burlington, NC | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Canton-Massillon, OH | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Cheyenne, WY | 1 | $ 345,000 | $ 345,000 | $ 128,000 |
| Dalton, GA | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 325,000 | $ 325,000 | $ 205,000 |
| Dover, DE | 1 | $ 435,000 | $ 435,000 | $ 700,000 |
| Fargo, ND-MN | 1 | $ 305,000 | $ 305,000 | $ 82,000 |
| Fort Wayne, IN | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| Gadsden, AL | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Gainesville, FL | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Grand Forks, ND-MN | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Grand Junction, CO | 1 | $ 255,000 | $ 255,000 | $ 64,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 235,000 | $ 235,000 | $ 98,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 355,000 | $ 355,000 | $ 93,000 |
| Homosassa Springs, FL | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Kalamazoo-Portage, MI | 1 | $ 285,000 | $ 285,000 | $ 100,000 |
| Kingston, NY | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Lawrence, KS | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Lincoln, NE | 1 | $ 315,000 | $ 315,000 | $ 240,000 |
| Logan, UT-ID | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Lynchburg, VA | 1 | $ 385,000 | $ 385,000 | $ 97,000 |
| Macon-Bibb County, GA | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Michigan City-La Porte, IN | 1 | $ 405,000 | $ 405,000 | $ 330,000 |
| Midland, MI | 1 | $ 345,000 | $ 345,000 | $ 148,000 |
| Morristown, TN | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Ocala, FL | 1 | $ 275,000 | $ 275,000 | $ 100,000 |
| Pueblo, CO | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Rochester, MN | 1 | $ 365,000 | $ 365,000 | $ 317,000 |
| Sebastian-Vero Beach, FL | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 265,000 | $ 265,000 | $ 152,000 |
| Spartanburg, SC | 1 | $ 245,000 | $ 245,000 | $ 80,000 |
| Springfield, IL | 1 | $ 145,000 | $ 145,000 | $ 70,000 |
| Sumter, SC | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Victoria, TX | 1 | $ 315,000 | $ 315,000 | $ 212,000 |
| Vineland-Bridgeton, NJ | 1 | $ 225,000 | $ 225,000 | $ 239,000 |
| Warner Robins, GA | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Wausau, WI | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Wichita Falls, TX | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
Mortgage Loan Application Detail Totals for First Choice Loan Services Inc. in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 7,515 | $2,213,740,000 | $294,000 | $3,805,000 | $118,000 | $5,002,000 |
| Refinancing | 4,217 | $1,560,165,000 | $369,000 | $5,255,000 | $139,000 | $2,983,000 |
| Cash-out Refinancing | 1,398 | $469,580,000 | $335,000 | $3,405,000 | $132,000 | $1,255,000 |
| Other Purpose | 87 | $23,835,000 | $273,000 | $755,000 | $139,000 | $588,000 |
| Home Improvement | 84 | $26,010,000 | $309,000 | $805,000 | $119,000 | $399,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,057 | $2,319,270,000 | $328,000 | $5,255,000 | $132,000 | $5,002,000 |
| Not Provided | 2,310 | $809,940,000 | $350,000 | $3,805,000 | $140,000 | $4,000,000 |
| Hispanic | 1,786 | $471,070,000 | $263,000 | $4,485,000 | $89,000 | $3,631,000 |
| Asian | 1,119 | $435,495,000 | $389,000 | $2,265,000 | $145,000 | $1,325,000 |
| Black or African American | 697 | $171,765,000 | $246,000 | $1,395,000 | $84,000 | $526,000 |
| Not applicable | 234 | $51,990,000 | $222,000 | $885,000 | $0 | $0 |
| American Indian or Alaskan Native | 26 | $7,850,000 | $301,000 | $525,000 | $104,000 | $349,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $6,125,000 | $360,000 | $715,000 | $130,000 | $240,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 9,908 | $3,388,555,000 | $342,000 | $5,255,000 | $143,000 | $5,002,000 |
| FHA-insured (Federal Housing Administration) | 2,323 | $551,045,000 | $237,000 | $1,505,000 | $73,000 | $298,000 |
| VA-guaranteed (Veterans Administration) | 995 | $341,185,000 | $342,000 | $1,435,000 | $85,000 | $443,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 75 | $12,545,000 | $167,000 | $355,000 | $56,000 | $140,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 9,082 | $2,856,990,000 | $314,000 | $2,505,000 | $126,000 | $5,002,000 |
| Application Withdrawn By Applicant | 2,611 | $923,250,000 | $353,000 | $5,255,000 | $126,000 | $3,072,000 |
| Application Approved But Not Accepted | 792 | $263,630,000 | $332,000 | $2,265,000 | $127,000 | $1,151,000 |
| File Closed For Incompleteness | 322 | $114,840,000 | $356,000 | $3,005,000 | $152,000 | $3,631,000 |
| Application Denied By Financial Institution | 249 | $80,565,000 | $323,000 | $1,385,000 | $100,000 | $1,122,000 |
| Loan Purchased By The Institution | 234 | $51,990,000 | $222,000 | $885,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 11 | $2,065,000 | $187,000 | $325,000 | $43,000 | $105,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 13,041 | $4,210,700,000 | $322,000 | $5,255,000 | $127,000 | $5,002,000 |
| Debt-To-Income Ratio | 106 | $34,770,000 | $328,000 | $1,205,000 | $73,000 | $272,000 |
| Other | 46 | $14,970,000 | $325,000 | $1,145,000 | $125,000 | $835,000 |
| Credit History | 40 | $11,940,000 | $298,000 | $1,225,000 | $119,000 | $1,122,000 |
| Collateral | 32 | $10,150,000 | $317,000 | $1,385,000 | $117,000 | $320,000 |
| Employment History | 16 | $4,180,000 | $261,000 | $385,000 | $81,000 | $280,000 |
| Unverifiable Information | 10 | $4,540,000 | $454,000 | $825,000 | $105,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,800,000 | $225,000 | $535,000 | $94,000 | $220,000 |
| Credit Application Incomplete | 2 | $280,000 | $140,000 | $275,000 | $145,000 | $200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Choice Loan Services Inc.'s 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Choice Loan Services Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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